The Property Nerds

In this episode of The Property Nerds, we chat with Simran Dhillon from Abundant Advisory about taking a holistic approach to wealth building. We cover the balance between property and shares, the smart use of good vs bad debt, and why diversification and liquidity are key to long-term success.We also take a closer look at SMSF property, who it’s right for, who it’s not, and the pitfalls investors often miss. Plus, Simran shares when to think seriously about insurance and protection so your wealth strategy is safeguarded.What you’ll learn:- The difference between good debt and bad debt- How to balance property and shares in your portfolio- Red flags for SMSF property investing- Why buffers and risk protection matterIf you enjoyed this, hit subscribe, drop a comment with, and share it with a fellow property nerd.Timestamps: 0:00 - Property vs Shares: Why Both Matter0:42 - Meet Simran: Holistic Financial Planner2:04 From Big Four to Abundant Advisory3:52 - Why Tech Professionals Need a Different Strategy5:25 - Using Debt to Accelerate Growth6:59 - The Risks of Being Too Property Heavy9:42 - Good Debt vs Bad Debt Explained12:35 - Why Simran Embraces Property in Financial Planning15:55 - SMSFs: Red Flags & Who Should Avoid Them19:00 - The Crucial Role of Insurance & ProtectionCONNECT WITH SIMRAN:Linkedin: https://www.linkedin.com/in/simran-dhillon-b1700a1b/CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, Arjun and the team sit down with Dr Joel Bowman from Domain to unpack the latest data on Australia’s property markets. From Adelaide and Perth’s standout resale profits to the struggles in Melbourne and Darwin unit markets, Joel shares deep insights into what’s driving growth, and where investors are missing opportunities because of outdated stigma.You’ll hear why Adelaide’s “sleepy city” label doesn’t match its 90% price growth since the pandemic, what makes Darwin’s rental yields the highest in the country, and how affordability is shifting in unexpected ways. 2:20 - Perth & Adelaide Up 80-90%5:39 - Adelaide Stigma vs 90% Growth7:00 - Melbourne & Darwin Unit Pain9:47 - Darwin’s 8% Yields, Low Vacancy11:00 - Melbourne CBD Units: Flat Decade13:49 - Trade Tensions = Sentiment Risk15:24 - Policy Risk: CGT & Gearing17:15 - Spring Surge + LMI Changes18:45 - Oct 1 FHB: Early Winners24:16 - Why Distress Sales Stayed LowPacked with data, trends, and myth busting, this episode is essential listening for investors who want to cut through the noise and make smarter, evidence based decisions in today’s market.CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

When should you move from residential into commercial property and why does it matter for your portfolio strategy? In this episode of The Property Nerds Podcast, Arjun, Jack, and Adrian break down the transition from residential to commercial investing. They get into the two main pathways investors typically take, why commercial property can deliver stronger cash flow, reduced management headaches and double the rent of residential, and how structuring decisions can impact borrowing power and long term growth. The conversation also gets into the role of SMSFs in commercial investing, with insights on how lending terms differ from standard loans, and shares real world scenarios that show how investors can build wealth, recycle equity, and even use business profits as a treasury management strategy. Whether you’re planning for retirement or looking to accelerate wealth creation, this episode offers a clear framework for knowing when and how to make the move into commercial property.Timestamps: 0:00 - Why Commercial Property Matters 0:30 - The Resi to Commercial Transition 1:35 - Two Investor Pathways Explained 2:55 - Structuring and Borrowing Power4:45 - Cash Flow vs Paper Wealth7:05 - Arjun’s Personal Portfolio Approach8:45 - Business Profits into Commercial10:15 - Resi Growth + Commercial Cash Flow10:50 - SMSFs and Commercial Investing12:55 - When to Make the MoveCONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, Arjun is joined by Avi Khan, Principal at Ray White AKG, to unpack the shifting dynamics of Brisbane’s property market. Once a Sydney and Melbourne trend, auctions are now reshaping how buyers and sellers operate in Brisbane, driven by consumer demand and surprising results on the auction floor.Avi reveals why written offers always trump verbal ones, the common mistakes buyers make, and how sellers can successfully navigate challenges like selling with tenants. They also cover strategies for competing in a low stock environment, why timing is everything, and how buyer’s agents have evolved from off market deal finders to competition navigators.Timestamps0:00 - Why “normal trends” don’t apply in Brisbane’s auction heavy market2:10 - How auctions gained traction in Brisbane5:00 - Stories of surprising auction outcomes and buyer behaviour7:20 - Why many buyers avoid auctions10:00 - Selling with tenants: Timing strategies and working with renters12:00 - The biggest negotiation mistakes buyers make 13:20 - Do buyers gain an advantage using a buyer’s agent?15:00 - The evolution of buyer’s agents: from off market deals to competition experts18:00 - Bridging finance, rent backs, and timing pitfalls24:00 - Why stock is so low in Brisbane and how it impacts long term price growthWith practical tips, negotiation insights, and real stories from the field, this conversation is essential listening for investors and owner occupiers looking to understand Brisbane’s fast moving market.CONNECT WITH AVI: Instagram: https://www.instagram.com/avikhan/Website: https://raywhiteakg.com.au/?fbclid=PAZXh0bgNhZW0CMTEAAaf3pRurM8abymVzLTedrZ_fPhgo_yqwcdOZp3-UTscu5eWeYLlPaBP4Wntgfg_aem_SroMHHCt3fdilDZ-fu78qwLinkedin: https://www.linkedin.com/in/avikhan/CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this raw episode, Michael shares the unfiltered journey from battling severe mental health struggles in his teens to building a $20M+ property portfolio and running a multi 8 figure business.With no roadmap, no corporate job, and no burning passion to “follow,” Michael found his edge through honesty, hustle, and a commitment to becoming the best at whatever he put his hands to.We cover:- Why waiting for passion is holding people back- How mental health shaped his views on wealth and purpose- Why buying a Lambo didn’t change anything- The real reason he left a $900K job to start from scratch- The mindset shift that made him financially free, without chasing endless moreTimestamps: 1. 0:00 - Intro 2. 3:00 - Michael’s early battle with mental health.3. 8:00 - "The Side Hustle That Changed Everything"4. 10:00 - "I Made $900K... and Walked Away"5. 16:00 - "The Lambo Effect Wears Off6. 17:50 - Why Mastery Beats Passion When Building a Career.7. 24:00 - Why Property Over Stocks?8. 30:40 - Knowing When Enough Is Enough9. 35:45 - How financial freedom changed Michaels Life10. 45:00 - The story behind his desire to guide others through the darkIf you’re stuck, scaling, or questioning what success really looks like, this one’s for you.CONNECT WITH MICHAEL: Instagram: https://www.instagram.com/michaeljamesthomas_/Website: https://www.mentoredbymichael.com.au/?fbclid=PAQ0xDSwMCVJBleHRuA2FlbQIxMQABp52I1QgndGIHTnJNjhYHE86x_-ecmUjxULhN9fx8ro_fvNs0WiDCwbBBuU1s_aem_HgpKFvZjuREC_LcljiAgwACONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode, the Property Nerds team dives deep into four powerful strategies to unlock your borrowing capacity from maximising your SMSF potential to optimising personal liabilities, using smart structuring, and leveraging lender policies. The guys break down how these tactics can make or break your portfolio’s growth timeline.In this episode, you’ll learn:How SMSF can open up a separate borrowing stream and fast track your portfolio without impacting personal cash flow.Why cutting credit limits, personal loans, and rent sharing arrangements can instantly boost borrowing capacity.How trust structures and lender policy knowledge can extend your property purchasing power and avoid portfolio roadblocks.0:00 - Intro1:04 - SMSF & Why It’s a Borrowing Power Goldmine3:50 - SMSF for Self Employed & High Income Earners6:51 - Deposits, Buffers & Lenders10:39 - The Fastest Fix to Borrow More13:57 - Living at Home vs Renting: The Borrowing Power Effect17:27 - Structuring Your Portfolio for Long Term Wins22:43 - The Right Sequence26:14 - Different Banks, Different Rules: Secret Lending Policies32:37 - OutroCONNECT WITH FOURACRE FINANCIAL:Instagram: https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH THE PROPERTY NERDS:Instagram: https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, Arjun and the team sit down with longtime InvestorKit client Daniela Ting, a banker who turned her financial regret into a $3.5M property portfolio in just four years.Dani opens up about why she chose to "rentvest" instead of buying a home, how she made her first investment during a lockdown, and the mindset shift that helped her go from one property to four. It’s a raw and practical look at building wealth without compromising lifestyle and how sometimes the “dream home” can wait.Timestamps:0:00 - Intro3:17 - How to Invest During Uncertainty4:20 - The Cost of Financial Regret and Why Waiting Can Hurt6:26 - Using Equity to Grow a Portfolio7:56 - The “3 Pieces of Paper” That Unlock Your Next Property9:08 - The Power of Diversification: Why Location Matters11:00 - How to Build a Roadmap for Passive Income13:30 - Why Skipping the Dream Home Can Be a Smarter Move18:27 - Renovating vs. Maintenance: A Value Add Strategy21:16 - OutroWhether you’re a first time investor or already building your portfolio, Dani's  story proves that everyday Australians can build real wealth strategically, confidently, and without losing the lifestyle they love.CONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

The Property Nerds are back with a guest who knows how to cut through the noise, Chief Economist at Ray White, Nerida Conisbee.From REA to Ray White, Nerida unpacks the biggest differences in data, insights, and strategy between the two property giants and why Ray White’s investment in *real* market intelligence is shaking up the game.0:00 - Intro0:17 - Guest intro1:40 - Ray White’s data approach3:44 - How Ray White agents offer early market insights5:59 - Using AI to localise suburb level market updates6:46 - How interest rate sentiment triggered early market changes10:05 - Are Adelaide, Brisbane & Perth still good buys after recent growth?13:18 - What infrastructure impacts property prices the most?15:00 - The Olympics effect: what Sydney taught us about Brisbane19:50 - When infrastructure projects actually impact price growth21:15 - Why infrastructure spend needs context, not just headlines22:35 - OutroWhether you’re a buyer, investor, or just a property nerd like us, this episode will give you clarity on what’s *actually* moving the needle in today’s market.CONNECT WITH FOURACRE FINANCIAL:Instagram: https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH THE PROPERTY NERDS:Instagram: https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

Think LMI is just an annoying cost? Think again. In this weeks episode of The Property Nerds you'll learn how certain professions (some surprisingly obscure) can access LMI waivers, potentially saving $12,000 - $20,000 on a single purchase. The trio also break down the real opportunity cost of waiting to save a 20% deposit hint: it could be setting your investment journey back by years.0:00 - Intro 1:01 - What Is LMI and Why It’s Not the Enemy1:35 - Who Qualifies for LMI Waivers3:53 - Essential Workers Policy Explained5:15 - Real Savings: How Much Can You Actually Save on LMI?6:38 - The True Opportunity Cost of Waiting for a 20% Deposit8:03 - LMI Refunds: The Little-Known Hack9:41 - Buying with Low or No Deposit: Other Strategies13:30 - Do LMI Waivers Still Apply in Trust Structures?15:57 - How to Pull Your Plan Forward by 3-5 Years18:20 - Outro If you’re looking to scale your property journey smarter, faster, and with less capital upfront this is your episode.We hope you enjoy the episode, don't forget to give us a follow and give us a rating if you've enjoyed our insights!CONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

Self managed super funds (SMSFs) have long been a favourite for savvy investors until now. In this episode, the nerds sit down with returning guest John from C2 Super to unpack the latest government shake up around Division 296 and the proposed super tax on balances over $3 million.00:00 - Intro01:36 - The Surge in SMSF Interest & Media Chatter02:15 - Division 296 Explained04:06 - Senate Roadblocks & Greens' Demands06:00 - Impact on Aussie Families & Housing Supply07:00 - Biggest SMSF Myths Debunked10:00 - Can You Buy Property in an SMSF?11:54 - How Division 296 Could Impact Valuations15:05 - Who Shouldn’t Set Up an SMSF?19:08 - Why C2’s Admin Process Stands Out22:30 - OutroWhether you’re already running your own fund or just SMSF curious, this is essential listening for anyone serious about controlling their financial future.We hope you enjoy the episode, don't forget to give us a follow and give us a rating if you've enjoyed our insights!CONNECT WITH THE PROPERTY NERDS:Instagram: https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/CONNECT WITH FOURACRE FINANCIAL:Instagram: https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/